Overview: DP Validator
“Get what you deserve – validate your Drawing Power, line by line.”
Bankkeeping’s DP Validator enables the maker/checker concept allowing the businesses the ability to get their Drawing Power (DP) verified by an expert against the rules defined by their lenders. It ensures that the working capital limits you’re using are justified—and flags shortfalls, under-utilization, or wrongful reductions.
Essential for businesses with CC/OD accounts, regular stock/debtor statements, or tight WC liquidity.
Why This Tool Matters
“Your rating decides your loan cost, bank confidence, and investor appeal. You deserve to know it first.”
 |
 Most businesses submit stock and debtor statements without verifying how their DP is actually calculated
|
Core Modules
““Automated DP logic, lender-aligned results.””
Limit Structure Mapping
“Know your sanctioned structure-clearly.”
Parses and stores terms from your sanction letter:
- Total WC Limit
- Primary security cover
- Margin requirements
- Eligible current assets (raw material, WIP, FG, receivables, etc.)
Sets up DP logic exactly as your bank defines it
Works for both single and multiple banking relationships
DP Auto-Calculation
“Submit every month, get instant validation.”
Upload your monthly stock & debtor statements
System applies bank-specific margins to calculate:
- Eligible value of inventory
- Acceptable portion of debtors (age-wise filtering)
- Final DP amount vs. drawing limit
Flags discrepancy between eligible DP vs. bank-allowed DP
Removes guesswork. Validates every margin and deduction
DP Summary and Detailed Reports
“Catch funding gaps before they affect operations.”
See the following instantly on the portal
- Company-wide DP Report – Summary and Detail
- Historical DP Statements
- DP Statement each Bank wise
Report includes explanation and comparison of multiple months
Prevents silent erosion of your available working capital
Step 1
Once onboarded, we will have the Sanction terms and conditions
Step 2
Bankkeeping extracts limit structure and applies DP rules
Step 3
Submit your DP statement, get verified report from expert
✅ Output is fully shareable with lenders
How It Works
“More funds. Fewer disputes.”
Working Capital Limits are meant to be used only for working capital requirement and to ensure compliance, Banks ask for DP or Drawing Power statement. DP is the eligible amount you can withdraw from your working capital limit, based on your current stock and receivables. It fluctuates because it’s recalculated monthly by banks. Your Drawing Power and therefore your Working Capital Limits thus depends on your submitted stock statements, overdue receivables, and applied margins. Even small data mismatches or delays can reduce your DP—affecting your cash flow. A wrong DP also affects your long term rating with the Bank.
Yes. Bankkeeping’s DP Validator supports multiple banks, overdraft (OD), and cash credit (CC) accounts simultaneously. You can upload statements for each account, and the system applies the respective bank’s DP rules, giving you a consolidated view as well as individual analyses.
That’s no issue. Our platform accepts Excel, PDF, and even scanned image formats. We use advanced parsing tools to extract data accurately. If something is unclear, our team can step in manually to verify and structure the inputs. Bankkeeping ensures the work gets done properly and on time.
Yes. Different industries have different margin norms. Our system factors in these sector-specific rules based on your sanction letter or bank policies, ensuring that the DP is calculated as per your actual agreement. We also give Bank specific reports, ensuring that you are able to meet the reporting guidelines of your Banks – whether Public, Private or Foreign.